DIVIDEND RATES Effective: January 24, 2012

Account	Minimum Balance	Annual Percentage Rate	Annual Percentage Yield
Shares	$100.00	.10%	0.1001%
Share Drafts	$100 - $1999	.10%	0.1001%
	$2000 - $9999	.20%	0.2001%
	$10000 - $24999	.30%	0.3001%
	$25000 - $49999	.40%	0.4001%
	$50000 - $99999	.50%	0.5001%
	$100000 - Up	.60%	0.6001%
Super Saver	$300 - $4999	.20%	0.2001%
	$5000 - $19999	.30%	0.3001%
	$20000 - $49999	.40%	0.4001%
	$50000 - $99999	.50%	0.5001%
	$100000 - Up	.60%	0.6001%
Christmas Club	$ 20.00	1.00%	1.0037%
Holiday Club	$ 25.00	1.00%	1.0037%
SHARE CERTIFICATES
3 Months	$ 500.00	0.70%	0.7001%
6 Months	$ 500.00	0.80%	0.8001%
12 Months	$ 500.00	1.00%	1.0037%
18 Months	$ 500.00	1.10%	1.1001%
24 Months	$ 500.00	1.20%	1.2001%
30 Months	$ 500.00	1.30%	1.3001%
36 Months	$ 500.00	1.40%	1.4001%
48 Months	$ 500.00	1.70%	1.7001%
60 Months	$ 500.00	2.00%	2.0001%

LOAN RATES Effective: January 01, 2010

Type	Financing	Loan Limit	Term Up To	Annual Percentage Rate
AUTO, TRUCK AND MOTORCYCLES                                                                                                As Low As
New (not titled)	100%	$50,000.00	72 Months	6.00%**
Used  1 - 2 Years	100%	$25,000.00	60 Months	6.75%**
3 - 5 Years	100%	$20,000.00	50 Months	7.75%**
6 Years+	100%	$15,000.00	48 Months	8.75%**
PERSONAL LOANS                                                                                          As Low As
Signature	Unsecured	$7,500.00	48 Months	8.95%**
Secured	Shares	100% Pledge	60 Months	4.95%**
Debt Consolidation	Unsecured	$30,000.00	120 Months	8.50%**
HOME EQUITY LOANS                                                                                                                            As Low As
Fixed-Rate Regular	80% of appraised value, less any liens	$100,000.00	5 Years	5.00% **
	80% of appraised value, less any liens	$100,000.00	10 Years	6.00% **
	80% of appraised value, less any liens	$100,000.00	15 Years	7.00% **
Fixed-Rate Special	80% of appraised value, less any liens	$50,000.00	5 Years	5.00%

(**) Your rate may vary from the above rates and will be determined by your credit history, call for current rates